Compare Bank & Credit Union Rates
Best 18-month CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 121–135 results
- Langley Credit UnionCertificatesCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Requires $5 deposit to Langley savings account for membership. Early withdrawal penalties apply (90 days dividends for 3-6 months, 180 days dividends for 12 months or greater). Dividends compound monthly.
4.17% interest rate
Rate checked
More details - Arizona Central Credit UnionCertificates of DepositCD · 18 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Membership with credit union required by opening a Share Savings account with a minimum balance of $5. Dividends compounded and paid monthly. Early withdrawal penalties may apply.
Offer: Promotional Certificate. No new money required. Renews into a standard 12-month certificate at maturity. Early withdrawal penalty equal to 90-days of dividends.
4.17% interest rate · Effective Sep 15, 2026
Rate checked
More details - Waukesha State BankCertificate of DepositCD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Rates and terms apply to regular and jumbo CDs up to $1 million. Advance approval required over $1 million. Penalty for early withdrawal may apply. Fees could reduce earnings.
Offer: 18 Month with "Raise Your Rate" Option. APY compounded monthly.
4.17% interest rate · Compounded monthly · Balance cap $1,000,000
Rate checked
More details - USE Credit UnionCertificate of Deposit New Money OfferCD · 18 months · $10,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: New Money only (money not from another USECU account; transfers between USECU accounts do not qualify). New members must be eligible for USE Credit Union membership and open a share savings account with a $25 minimum deposit. Membership required and subject to approval. Early withdrawal penalty may apply. Automatically renews at maturity at the rate in effect at that time. 10-day grace period after maturity. Additional deposits not allowed after starting account. Limited time offer.
Offer: 18 Month CD. New Money only.
Promotional rate
Rate checked
More details - Flagstar BankCertificates of Deposit (CD)CD · 18 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - First Keystone Community BankCertificate of Deposit (CD)CD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Quarterly compounding. A penalty for early withdrawal may be imposed. Minimum balance to open is $500 or $1,000 depending on the term.
Offer: Term is 18 Months. Compounded quarterly.
4.18% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - Hatboro Federal SavingsCertificate of DepositCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Fixed rate CDs with terms from 91 days to 5 years. Minimum investment of $1,000. Early withdrawal penalties apply.
Offer: Interest compounded quarterly. Early withdrawal penalty is 90 days interest.
4.18% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. Must be a CU SoCal Member.
Offer: Rewards+ Loyalty Program rate. Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member.
4.17% interest rate · Effective Oct 6, 2026
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More details - General Electric Credit UnionCertificatesCD · 18 months · $0 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Minimum balance required to open is $0. To earn dividends, you must have a balance greater than $0. Dividends accrue from funding date; funding must be received within 30 days of opening the account. Subject to early withdrawal penalties.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - Security National BankTraditional CDCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $1,000. Simple interest is compounded and credited semi-annually for terms of 1 year or longer, or compounded and paid at maturity for terms less than 1 year.
Offer: CD special rate offer good for initial term only at Security National Bank locations in Iowa and Dakota Dunes, S.D.
Promotional rate
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Product: All certificates can be opened with just $500 (only $250 for minors). Offered at terms from 3 to 60 months. Dividends compound daily and are posted monthly to your certificate or savings account. Renewable with a 10-day grace period. Penalty for early withdrawal.
Offer: Renewable with a 10-day grace period. Penalty for early withdrawal.
4.16% interest rate · Effective Oct 14, 2026
Rate checked
More details - Midwest BankCentreTraditional CDsCD · 18 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earning. Minimum balance of $1,000 to earn APY.
4.18% interest rate · Effective Oct 16, 2026
Rate checked
More details - Nicolet National BankCertificate of DepositCD · 18 months · $2,500 min
Bank · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.18% interest rate · Effective Sep 23, 2026
Rate checked
More details - FreeStar Financial Credit Union18-Month SpecialCD · 18 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000with conditionsRequirements
Product: 18-Month Special: At maturity, the CD will be renewed into a 24-month CD. Special certificates will automatically renew on their maturity date. Members receive a 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Penalties for early withdrawal: 1 Year: 90 days of interest; 2 Years: 180 days of interest. Limited time offer subject to end at any time.
Qualified rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - COMTRUST Federal Credit UnionCertificates of Deposit (CDs)CD · 18 months · $5,000 min
Credit union · Add a location to see nearby branches
4.25%APY$644 over 18 months on $10,000Requirements
Product: Certificate requires $1,000 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. Federally insured up to $250,000 by NCUA. Opening a CD online is available to existing members; new members can open an account online and add a certificate once membership is established.
Offer: Annual Percentage Yield is based on monthly compounding. Penalty for early withdrawal. Automatically renews at the end of the term.
4.17% interest rate
Rate checked
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 18-month CDs pay nationwide
3,155 CDs at 2,801 banks and credit unions · checked Oct 15–22
- Typical
- 3.24%
- Top 10% from
- 4.07%
- Banks, typical
- 2.89%
- Credit unions, typical
- 3.30%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank